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Motor Vehicle Legal Terms Motor vehicle laws vary greatly from state to state In general the law assumes that a vehicle is being operated with the permission of the owner The mortality rates are influenced by laws that increase penalties that make revocation automatic or target social hosts All of these measures such as obligatory education alcohol treatment and interlock devices have a slight impact Legal Definitions The laws governing motor vehicle legal terms are formulated and determined at the state level The various definitions that are used for national requirements for fuel efficiency and licensing standards for commercial vehicle drivers serve mainly for administrative purposes and do not apply to states that are determining their own registration classifications These classifications for vehicle registrations determine if a driver needs to obtain a special license to operate certain kinds of vehicles These state laws define the terms automobile light truck and many others For example the definition of light truck encompasses all motor vehicles with an rated carrying capacity by the manufacturer of less than 7500 pounds This excludes pickup trucks and panel delivery trucks Also it does not include any combination of vehicles that is specifically designed to carry passengers or property within its own structure such as trailers and manufactured homes Wheel chairs are a vehicle equipped with wheels and is utilized by people who have physical disabilities and cannot walk A moped is a vehicle with only three wheels on the ground and that can travel at maximum speed of 35 miles per hour A pedicab vehicle is one driven by an operator who sits on it A person who holds the legal title to a vehicle is called the owner Traffic Laws Typically each state has its own set of motor vehicle laws which encompass everything from registration process to the insurance requirements The statutes also cover the kinds of vehicles subject to the law While some of these laws are fairly similar between states others differ significantly For instance there are laws that limit the number of people you can carry in a pedicab There are laws that ban reckless driving on certain types of roads including parking areas If you are in violation of these laws you could be penalized and fined The penalties range from having your drivers licence suspended and being required to attend a traffic school One of the most important laws in a state pertaining to vehicles is the speed limits that are established on the roads In New York for example it states that the speed limit for a commercial vehicle is the same as that of an automobile The law also defines the definition of the term motor vehicle This includes every description of a vehicle or contrivance that is propelled by mechanical power and utilized on a public road for the transportation of persons or property or for other commercial purpose It excludes trailers and semitrailers as well as house trailers or coaches vehicles that run only on tracks or rails snowmobiles and allterrain vehicles motorized mobility assistance devices operated by a person with a disability and selfpropelled hay harvesting machines and tractor Insurance A motor insurance policy for vehicles is a contract between the insurer and insured that covers financial loss on account of the liability for bodily injury property damage to a third party that arises out of the ownership operating maintenance or the use of a covered vehicle It can also offer protection against physical damage to the insured vehicle itself It must state the address and name of the named insured as well as the coverage provided by the policy the cost payable the duration of effectivity and the limits of liability It must also include an agreement or a statement that the insurance provided is in conformity with the coverage described in the policy for bodily injury or property damage and is subject to all the rules of this chapter The language in a motor vehicle insurance policy can be confusing to anyone and Duncanville law firms will often recommend that individuals review a sample policy to fully understand the terms One of the most frequently encountered areas of confusion is the definition of motor vehicle The phrase is used often in statutes that govern the registration of vehicles and financial responsibility laws Examples of the coverages that are covered under the motor policy include commercial auto coverage for automobiles used for business commercial establishments or for employment activities or jobs done to earn money automobile liability coverage which includes PIP MP and uninsured and underinsured motorist coverage UMUIM This kind of insurance is required in many states Permissible Use It is important to know what insurance coverage is available in the event that someone other than the named insured or a family member drives your car and causes an accident motor vehicle accident lawyer moreno valley is known as permissive use and the specific terms of your policy could differ but in general most large car insurance providers offer this type of coverage However it is important to note that a person driving your vehicle must have your permission for you to be held accountable for any damages Permission may be expressed or implied and does not typically require writing In determining if there is implied consent courts will examine the relationship between the parties their previous behavior and the use of the vehicle as well as the circumstances surrounding a particular driving incident A court will also examine whether any restrictions were imposed on the scope of permissive use and if even a minor deviation from the time location and use restrictions of the permission would violate of these limitations Be aware that adding another driver to your car insurance is likely to increase your insurance premium higher since it makes the vehicle more risky to insure Therefore you must be aware of your options before lending your vehicle out to others If you arent sure whether you should add someone to your policy or not contact Jerry to discuss the specifics of your insurance policy and receive a free quote
